Score the buyer across four dimensions: DTI buffer (below 25% is safe, at 29% is dangerous), post-closing liquidity depth (12-24 months of carrying costs in liquid assets), lender quality (local NYC mortgage banks far outperform out-of-state internet lenders), and income volatility (W-2 salary is dramatically safer than freelance or commission-based income for board approvals).
From the seller playbook: Financing Risk Score: How to Underwrite a Buyer's Offer
This is general information, not legal, tax or accounting advice. Every situation is different. Talk to a licensed attorney, accountant or tax professional before you act.
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